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Arbiter's Decisions

You can search for decisions delivered by the Arbiter for Financial Servicesand judgements delivered by the Court of Appeal (Civil, Inferior)for those decisionsthat have been appealed

The database of Arbiter’s decisions is updated periodically. In accordance with the OAFS policy, complainants’ names in such decisions are pseudonymised (the actual names are replaced by unrelated alphabetical references).

The remit ofthe Arbiter for Financial Services is to investigate and adjudicate complaints lodged by eligible complainants (individuals and micro-enterprises) against financial services providers who are licensed or authorised by the Maltese financial services regulator. When cases are referred to the Arbiter and a decision is issued, such a decision is binding on both parties

Either party can request the Arbiter for clarification or correction to any computation, clerical, typographical, or similar errors within 15 days from the delivery of a decision. Decisions may be upheld in full, partially upheld, or rejected, and may be appealed by any of the parties.

As to the Court of Appeal (Civil, Inferior)judgements, we refer to the Court Services Agency’s eCourts website (https://ecourts.gov.mt/onlineservices/) for the relevant case reference numbers and appeal judgements. Information about appealed decisions on our website is updated periodically. However, such information should always be cross-checked with the eCourts website as we make no representations or warranties of any kind, express or implied, as to its completeness, accuracy or reliability.

Please get in touch with us through our “Contact us” page if you come across any broken links or other incorrect information.Thank you.

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ASF case reference:
ASF 157/2017
Sector:
Investments
Language:
Maltese
Financial Services Provider:
GlobalCapital Financial Management Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
009/2020
In progress
ASF case reference:
ASF 002/2019
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
Global Insurance Brokers Limited
Category Issue:
Rejection of claim
Product/Service:
Travel-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 050/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
GlobalCapital Financial Management Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Not Upheld
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 002/2019
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
MIB Insurance Agency Limited
Category Issue:
Rejection of claim
Product/Service:
Travel-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 003/2019
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
Global Insurance Brokers Limited
Category Issue:
Rejection of claim
Product/Service:
Travel-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 003/2019
Sector:
Insurance
Language:
Maltese
Financial Services Provider:
MIB Insurance Agency Limited
Category Issue:
Rejection of claim
Product/Service:
Travel-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 056/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 010/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 060/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 053/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 005/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 069/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
20/01/2020
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 109/2018
Sector:
Investments
Language:
English
Financial Services Provider:
Momentum Pensions Malta Limited
Category Issue:
Administration/Management/Custody
Product/Service:
Pensions-related
Outcome:
Partially Upheld by Arbiter
Date of Arbiter's Decision:
01/01/2020
Appeal Court reference:
39/2020
In progress
ASF case reference:
ASF 019/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 046/2019
Sector:
Insurance
Language:
English
Financial Services Provider:
Building Block Insurance PCC Limited
Category Issue:
Rejection of claim
Product/Service:
Pet-related
Outcome:
Not Upheld
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 074/2019
Sector:
Banking / Financial Institutions
Language:
English
Financial Services Provider:
Lombard Bank Malta plc
Category Issue:
Opening/Closure
Product/Service:
Basic payment account
Outcome:
Not Upheld
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 086/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Complex/Professional/Experienced/Structured investments
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 012/2018
Sector:
Investments
Language:
Maltese
Financial Services Provider:
All Invest Company Limited
Category Issue:
Misselling / Suitability
Product/Service:
Miscellaneous (securities and funds)
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 055/2019
Sector:
Insurance
Language:
English
Financial Services Provider:
Building Block Insurance PCC Limited
Category Issue:
Rejection of claim
Product/Service:
Pet-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed
ASF case reference:
ASF 033/2019
Sector:
Insurance
Language:
English
Financial Services Provider:
Building Block Insurance PCC Limited
Category Issue:
Rejection of claim
Product/Service:
Pet-related
Outcome:
Upheld by Arbiter
Date of Arbiter's Decision:
27/12/2019
Appeal Court reference:
Not Appealed